浅谈分类监管制度下如何提高经营管理水平

How to Improve the Level of Business Management under the System of Classified Supervision

自2009年1月1日起,保监会实施保险业分类监管制度。这一制度的实施对于中国保险业有着深远的影响,进一步提高了保险企业对风险管理的重视程度,深化了企业价值管理的内涵和意义,对保险企业来说既是机遇也是挑战。本文介绍了保险业分类监管制度的历史沿革和实施意义,笔者对分类监管制度下财险公司如何改善企业经营管理进行了积极思考,提出了保证偿付能力、完善公司治理、强化内控合规经营、提升综合管理能力等措施建议。

Since Januaryl ,2009, the Insurance Regulation Commission has carried on the system of cate- gory regulation. It is a challenge and also an opportunity for companies and has profound and lasting effect on the Chinese insurance industry. It shows more concern on risk management from insurance companies and de- velops the connotation and significance of value management. This article introduces the history origin and de- velopment and benefits of the new system and discusses positively how to improve the company＇ s operation and management in this system. And it also makes some suggestions such as maintaining solvency, improving governance, internal standard running and comprehensive management and so on.